May 2009 E-News Bulletin

Franklin Synergy Bank | May eBulletin

Welcome to the Franklin Financial Network May 2009 eBulletin!

Dear Friends,

These are trying times, to say the least. Clouding the picture is the constant rhetoric about what’s wrong
with the economy and who is to blame. In previous economic downturns, your bank and banker have been stable and trusted sources for understanding the
economy’s impact on your personal borrowing and depositing needs. With so much at stake today, there are four questions that you need to ask
your banker.

Is my deposit safe and is the bank healthy? The first security for the safety of your deposit is FDIC
insurance. The FDIC has increased deposit insurance limits and the insurance can be personalized to the depositor to cover beyond stated amounts. Your
Franklin Synergy banker can assist you with this. However, the most pertinent protection for your deposits and borrowings is the strength of your
bank. As in no other recent times, there are strong banks and weak banks within every market. The best source for information about the safety of your
bank is a candid discussion with your banker about the bank’s health and future. At Franklin Synergy Bank, we are proud to talk about our
strong capital position, our first quarter earnings, and the many other factors that make us a superior bank.

How does the bank charge for its services? Bank pricing has always been challenging to understand. In our
market today we see some misleading statements about bank pricing. Two examples: high “teaser” rates with multiple requirements and the
word “free” with additional hidden charges.At Franklin Synergy, we want to keep things simple. Our underlying philosophy is that if we
do what’s best for the customer, we will benefit from a long-term relationship. Our customers are our most important assets.

Do interest rates change? How? Why? Market interest rates change spontaneously, sometimes making
remarkable shifts in short time periods. Banks are “money traders”: we buy money (deposits, CDs, checking accounts) and we sell money (loans, investments). As national interest rate
markets change, bank pricing must also change. Our deposit pricing is related to the market for short-term U S Treasury securities and we normally
re-price CDs and money markets weekly. Loan pricing is tied to either the prime rate or longer-term Treasury instruments. Loan rates change less
frequently than deposit rates, based on significant market changes.

Can you get a better interest rate by “shopping” all the banks? At Franklin Synergy Bank,
our objective is always to be competitive with our interest rates. But interest rates are by definition the “price” of money, and prices
vary according to demand and supply. What doesn’t change is our commitment to customer service, both in the branch and on the internet.

Franklin Synergy
Bank continues to be a true success story. We are successful because we commit to taking care of our precious asset, the customer. Let us prove this
to you. Call one of our bankers at 615-236-BANK (2265) or visit our web site at franklinsynergybank.com. Thank you for the opportunity to prove our commitment.

Richard
Herrington

Franklin Synergy Bank breaks ground for Columbia Avenue headquarters!

On Friday, April 24, we broke ground at our future corporate headquarters in the 700 block of Columbia Avenue in
Franklin. We will also have a bank branch in the 17,000 square foot building, next door to The TMA Group/Franklin Transit Authority.

Jim Cross’ Century Construction Company, Inc. in Franklin will build our new home designed by Robin Hood
at Crossroads Architecture in Nashville. The property is being developed by Franklin Square Partners, led by Hank Brockman and we estimate that
construction will be completed late spring 2010.

“We are proud to be part of the revitalization of the Columbia Avenue corridor,” added Herrington.
“We see Franklin’s business district moving south along Columbia Avenue, and we want to be a leader in that movement. Our new home will
make a statement about the future of our community and the future of banking in Franklin.”

FRANKLIN SYNERGY BANK TRAVEL CLUB NEWS….

Upcoming Travel…..

Cumberland County Playhouse PresentsJuly 16, 2009Re-visit 1962 with Franklin Synergy
Bank. The world was a simpler place - Cadillacs had fins, JFK was in the White House and John Glenn was in orbit. Get back to your roots –
literally! Total cost - $85 Final payment due June 29

Franklin Synergy Bank Team News

Meet Franklin Synergy Mortgage’s Patte Huff

With over 30 years experience in mortgage lending, Patte is proud to say she has assisted thousands of people achieve their goals of homeownership. With
experience in all areas of the mortgage process as a previous underwriter, processor, and closer, Patte has a solid understanding of the local real
estate market, and the expertise to get your loan closed with efficiency and ease.

Patte is a graduate of Middle Tennessee State University and joins Franklin Synergy from PHH Mortgage (formerly
Coldwell Banker Mortgage). She’s an advocate for child welfare, supporting the South Nashville Exchange Club and the Tennessee Baptist
Children’s Home.

Patte has extensive experience in all types of loan programs and is always available to help you with any of your
mortgage needs. Please call Patte today at (615) 308-8814 to make
your homeownership dreams come true.